Home Insurance in Bonita Springs, Florida
The median home value in Bonita Springs is $497,100, 37% higher than the Lee County median.
The typical home in Bonita Springs was built around 1998. About 1% of homes were built before 1960, about 1 point below Lee County's 3%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bonita Springs is 54% single-family homes, 25% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
43% of owner-occupied homes in Bonita Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Bonita Springs are owner-occupied. The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Bonita Springs are primarily heated with electricity.
Lee County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Lee County had 130,448 active NFIP flood policies as of September 2026. See the full Lee County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $497,100 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Lee County | 130,448 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)